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The MPC voted 6–3 to hold Bank Rate at 4.75%. Markets now price two cuts before Q3 2026 — here's what to do with your mortgage.
Rates held at 4.75%. Two cuts priced in by Q3 2026. Best window right now for 2-year fixes and trackers with no ERCs.
Eight UK schemes, three lenders to avoid, and the AI-generated checklist getting first-time buyers approved in 11 days.
5% deposit is doable in 2026. Use the Mortgage Guarantee Scheme, Shared Ownership or Skipton Track Record. Avoid brokers who ignore total cost.
Brokers quote initial rates. Lenders quote APRC. Here's the metric you should actually be comparing when picking a UK mortgage.
Compare 5-year total cost, not headline rate or APRC. APRC only matters if you stay on the SVR for 25+ years — nobody does.
Three UK lender execs explain the demand shift towards 5-year fixed mortgages — and what it signals about consumer confidence.
5-year fixes now 58% of new UK applications. Buyers want payment certainty over the chance of savings.
We modelled 1,200 UK Shared Ownership purchases over 10 years. Here's what the data actually shows — the good, the bad and the staircasing math.
Great for London/SE under £450k with realistic 5-year staircasing. Avoid if you can't afford to buy more shares within a decade.
An ex-underwriter walks through the exact documents UK lenders look for on self-employed applications — plus the red flags that kill deals.
2 years of SA302s, tax overviews, business bank statements, a clean accountant, and Elena to pick the right lender.
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